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Posts Tagged ‘furniture’

I am in an abusive marriage, My dream is to one day be able to get out of this marriage. I have been saving money and preparing for about two years now. I am completely debt free. My only issue is how I am going to support my three young children. I will not get much in child support due to the fact my husbands only income is disability. He has become depressed due to an accident he suffered a few years back, has turned to alcohol and I believe he is addicted to pain killers. Does anyone know of any college course I can take with in a years time to be able to get a decent job? I was never allowed to work during the course of the marriage. I took an EKG course, only to find out hospitals now let nurses do EKGs, so that was a waste of money. I also took a massage therapy course, another waste of money. So hard to find work. I am not interested in real estate. I am tired of dipping into the little money I have in savings to pay for wasted courses. No one will hire me without references.
I just need to find work to support my kids, and get away from this abuse. I cannot stand it anyone. I just need someone to give me a chance. Any advice on what kind of college course to take so I can get a job that will work out? I need to make enough to make it worth paying a sitter. Or anyone know any resourses that would be out there. I do not want to go to a shelter, that is no life for my kids and I do not want to lose all my furniture and stuff.

My husband and I are thinking of consolidating our bills, but we don’t know where to start. Including credit cards, small personal loans, furniture that we had financed, and medical bills, it’s only about ,000, but our interest rates are so high, we want to try to change that. We spoke with CCCS (Consumer Credit Couseling Services), but I’m kind of ‘iffy’ about that. I would love to be able to just take out a loan for ,000 and pay everything off, but neither one of us have good credit, so I don’t know what to do. We both have scores of pretty close to 525.
Also, we do not own a home, we’re renting.
Any advice?

I am in my mid-twenties, and I am attending an expensive university in Southern California to get my Master’s degree in Clinical Psychology.

By the way, please excuse me if I use financial terms incorrectly…I’m really unfamiliar with financial terminology.

I am originally from Canada and am a home-owner in Calgary, Alberta – my parents sold their large house when I was 20 and bought another house for themselves and build a smaller house under my name. I am technically a property owner. They did this so that I could get a substantial loan for university.

My property assessment in 2008 was 6,000 (Canadian funds).

I received a loan of 0,000 (Canadian funds) in October of 2008.

I recently spend a large amount of money (,500 US) to put a family member through alcohol treatment. I realize that is really expensive, but I tell you, it was worth it to see this person sober. However, that was basically 1/3 of my loan.

My schooling is costing around ,000 US for the 2 year Master’s Degree. With rent, utilities, living expenses, plus everything I needed to buy when I moved down here from Canada (furniture, etc), I am running out of money really quickly. I’m working on getting an ,000 (Canadian funds) line-of-credit from a Canadian bank with my parents’ help.

After the economy improves, I would like to sell my house in Calgary (say, within the next 5-7 years) so that I can begin my life debt-free. My parents want me to keep the house so that I can have some sort of collateral/assets (?) in the future. I am arguing that the house is not really "worth" anything because I have loans that are 0,000 + interest. I really don’t want to spend the rest of my life paying off student loans if I don’t have to.

Any advice??

Thank you so much in advance.

~K
The first poster is right, it’s not a student loan. I was mistaken when I said that at the end.

Also, I am renting the property in Calgary for 00 (Canadian), which is around 00 US.

I don’t really anticipate moving back to Calgary. I love Canada and miss it a lot, but I can’t take the winters…lol. It does get warm in Canada, but not as warm as So-Cal!
Also, because I’m here on a student visa, I can’t legally work in the States until I’m finished school, except for working on campus (and I can only work 19.5 hours/week.). I checked and there aren’t any jobs available right now.

To be a Marriage and Family Therapist in California, I need 3000 hours of clinical work experience (which I will most likely be doing for free), so even though I could potentially work on campus, I would like to focus my time on getting my 3000 hours.

I apologize this is going to be a long one.
Past May I lost my job and was not able to get unemployment. I abandoned my apartment since I was very honest and informed my landlord I don’t think they ever filed anything against me, haven’t seen anything on my credit report yet. Anyways I was well off in my job, had 4 credit cards, a car loan and a loan for my furniture set. All of these had never had a late payment, my credit score was at 720 something. Obviously afterwards everything except my car loan is now at least 180 days overdue, all but 2 of the cards are in collections. About ,000 in debt and I owe my dad ,000. I owe my dad ,000 because he drove out and helped me move back across country with all of my stuff since I had no place to live. Well, I took a phlebotomy class and after 3 months of applying the only place that was offering me a job was back in my original state so I packed my car up and I am living rent free with my long time boyfriend who I had moved away from… I hope that wasn’t confusing. So I’m out where I began, all of my furniture that I owe 00 on is 1000 miles away. I’m only making 00 a month. I have 00 in credit card debt. I’m trying to pay off this debt and I’m wondering the best way to go about this while keeping my credit score in mind. Since May it has dropped down to 516. I’ve thought about filing for bankruptcy but I think that would be a bigger scar on my credit. Also I think it’s a moral issue, I made this debt and it’s my responsibility. I’ve thought about trading in or selling my car, but even if I did I’d still be paying on it since it would resell for so much less. I’ve also thought about selling my furniture but I don’t think I would get that much money from it. It’s all in my parents basement not getting any use and I’d love to have it out here but from what I’ve found it costs a lot of money to transport it across the country. So does anyone have any advice?
The credit cards were cut up as soon as I lost my job, all of my extra money is going towards the debt. I am not spending on anything extra at all.